Diferencia Tarjeta Débito y Crédito: Guía Completa
Este artículo fue publicado por el autor Editores el 09/02/2025 y actualizado el 09/02/2025. Esta en la categoria Artículos.
When it comes to making purchases, there are two main types of cards that people use: debit cards and credit cards. While both of these cards serve the same basic function of allowing you to make purchases, they work in very different ways. In this guide, we'll take a closer look at the differences between debit cards and credit cards, so you can make an informed decision about which type of card is right for you.
How Debit Cards Work
A debit card is linked to your checking account and allows you to access the funds in that account. When you make a purchase with a debit card, the funds are deducted directly from your checking account. This means that you can only spend the money that you have available in your account.
One of the main advantages of using a debit card is that it can help you stick to your budget. Since you can only spend the money that you have, you won't be able to overspend and rack up debt. Additionally, many debit cards offer features such as fraud protection and the ability to withdraw cash from ATMs.
How Credit Cards Work
A credit card, on the other hand, allows you to borrow money from the credit card company to make purchases. When you make a purchase with a credit card, you're essentially taking out a loan that you'll need to pay back at a later date.
One of the main advantages of using a credit card is that it can help you build your credit score. When you make purchases with a credit card and pay them back on time, this demonstrates to creditors that you're a responsible borrower. This can help you qualify for loans and other forms of credit in the future.
Another advantage of using a credit card is that it can provide you with additional consumer protections. For example, many credit cards offer purchase protection, which means that if an item you purchase is stolen or damaged, you may be able to get a refund from the credit card company.
Differences Between Debit and Credit Cards
Here are some of the key differences between debit and credit cards:
- Funds Availability: With a debit card, you can only spend the money that you have in your checking account. With a credit card, you can borrow money from the credit card company and spend it even if you don't have the funds available in your bank account.
- Credit Building: Using a credit card can help you build your credit score, while using a debit card won't have any impact on your credit.
- Consumer Protections: Credit cards often offer additional consumer protections, such as purchase protection and fraud protection, that debit cards may not provide.
Which Type of Card is Right for You?
Both debit cards and credit cards have their own unique advantages and disadvantages, so it's important to consider your individual financial situation when deciding which type of card is right for you.
If you're trying to stick to a budget and avoid debt, a debit card may be the best option for you. On the other hand, if you're looking to build your credit score and take advantage of additional consumer protections, a credit card may be the better choice.
FAQ
Q: Can I use a debit card to build my credit score? A: No, using a debit card won't have any impact on your credit score.
Q: Can I withdraw cash from an ATM with a credit card? A: Yes, you can withdraw cash from an ATM with a credit card, but you'll be charged interest on the amount you withdraw.
Q: Is it safer to use a debit card or a credit card? A: Both debit and credit cards offer fraud protection, so they're both safe to use.
References
- Investopedia: Debit Card vs. Credit Card
- NerdWallet: Debit Cards vs. Credit Cards: Which is Better?
- CNBC: Debit Cards vs. Credit Cards: Which is Better for Building Credit?
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